Vacation Points Overview - Frequently Asked Questions
Late payments can impact your ability to make reservations and to bank and borrow Vacation Points. Any payment that is overdue, including but not limited to Annual Dues, Loans, Member Getaways transaction fees and balances from Disney Vacation Club Resort stays, prohibits banking and borrowing of Vacation Points. Members in Bad Status are also ineligible to receive any available discounts on cash-based Disney Vacation Club accommodations.
In addition, if you are more than 90 days past due on your Annual Dues, this will cause a suspension of all activities, and will result in the cancellation of any existing reservations.